Stamford, CT · Cert 18221 · Webster Financial Corp.
National charter · OCC · 194 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 40.7% share · #1 of 25 inst. · $31.7B of $77.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.93% | 1.18% | 1.31% | 1.31% | 1.23% | 1.24% | 1.24% | -7 bps | |
| Return on Equity | 8.55% | 7.81% | 9.85% | 10.98% | 11.02% | 10.51% | 10.78% | 10.91% | -7 bps | |
| Net Interest Margin | 3.21% | 3.26% | 3.23% | 3.23% | 3.23% | 3.20% | 3.11% | 3.05% | -18 bps | |
| Efficiency Ratio | 49.85% | 45.02% | 46.28% | 45.88% | 46.21% | 49.51% | 48.01% | 49.41% | +353 bps | |
| Non-Interest Burden | 1.38% | 1.16% | 1.25% | 1.23% | 1.23% | 1.33% | 1.24% | 1.25% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.64% | 5.45% | 5.42% | 6.62% | 4.69% | 6.37% | 6.63% | 4.95% | -167 bps | |
| Loan Growth (YoY) | 3.85% | 3.55% | 3.47% | 4.11% | 5.88% | 7.77% | 7.80% | 7.29% | +318 bps | |
| Deposit Growth (YoY) | 6.79% | 6.57% | 7.81% | 6.41% | 5.95% | 5.66% | 5.38% | 6.10% | -30 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 0.93% | 1.18% | 1.06% | 1.04% | 0.91% | 0.93% | 0.76% | -29 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.46% | 0.41% | 0.27% | 0.28% | 0.35% | 0.29% | 0.30% | +3 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.34% | 1.34% | 1.32% | 1.27% | 1.28% | 1.25% | -9 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.4x | 1.1x | 1.3x | 1.3x | 1.4x | 1.4x | 1.6x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.04% | 9.11% | 9.08% | 9.02% | 8.69% | 8.49% | 8.51% | -56 bps | |
| Total Risk-Based Capital | 13.68% | 13.74% | 13.81% | 13.80% | 13.85% | 13.43% | 13.32% | 13.47% | -33 bps | |
| Equity / Assets | 12.05% | 11.88% | 12.01% | 11.88% | 11.86% | 11.64% | 11.31% | 11.39% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.30% | 80.56% | 80.68% | 81.00% | 80.25% | 82.17% | 82.53% | 81.90% | +90 bps | |
| Liquid Assets / Assets | 14.61% | 13.10% | 13.29% | 13.48% | 13.17% | 12.16% | 12.31% | 11.89% | -159 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 318% | 322% | n/a | n/a | |